Business Insurance, Made Simple
General Liability, BOP, Commercial Auto, Workers’ Comp, Cyber, and more—compare options for your industry and state. Start your quote now.
What Business Owners Get Wrong About Insurance
- GL vs BOP — General Liability protects against third-party injury/property claims; a BOP bundles GL + Property (and often Business Interruption) at a discount. See if you qualify for a BOP.
- Commercial Auto — using vehicles for work (deliveries, mobile services) usually requires a commercial policy even if the title is personal. Compare CA vs personal.
- Workers’ Compensation — required in most states when you have employees; exempt rules vary by state. Check requirements.
- Professional Liability (E&O) — covers mistakes in advice/services (IT, consultants, real estate, healthcare). Add E&O to your quote.
- Cyber & Data Breach — even small businesses face phishing and payment fraud; cyber helps with response, notification, and recovery. See cyber options.
Coverage Types at a Glance
| Coverage | What It Covers | Best For |
|---|---|---|
| General Liability (GL) | Third-party injury, property damage, advertising injury. | All businesses meeting clients or job sites. |
| Business Owners Policy (BOP) | GL + Property + Business Interruption (bundled). | Retail, offices, restaurants, trades, startups. |
| Commercial Auto | Autos, vans, trucks used for business; hired/non-owned options. | Delivery, mobile services, contractors. |
| Workers’ Comp | Employee injuries, medical bills, wage replacement. | Employers (state-specific requirements). |
| Professional Liability (E&O) | Claims from errors/omissions in professional services. | IT, consultants, real estate, healthcare, finance. |
| Cyber | Breach response, notifications, data recovery, liability. | Any business handling data or payments. |
Not sure what you need? Start a quick quote and compare.
What Affects Your Business Insurance Price?
- Industry & operations — risk varies (contracting vs consulting vs retail).
- Revenue & payroll — higher volume and headcount drive limits/premium.
- Claims history — prior losses can increase rates; risk controls help.
- Property & equipment — building value, contents, tools, stock.
- Vehicles & drivers — fleet size, radius, MVRs impact Commercial Auto.
- State rules — Workers’ Comp and certificates vary by state.
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Business Insurance by State
Licensing, Workers’ Comp rules, and certificate needs vary by state. Choose your state, then get a quote.
Real-World Example
A local contractor needed GL, a BOP for tools & stock, and Commercial Auto for two vans—plus fast COIs for a new contract. We bundled coverages and issued certificates the same day, saving 12%. Get your quote.
Business Insurance FAQs
Do I need a BOP or just General Liability?
If you have business property (inventory, equipment) or want Business Interruption, a BOP can bundle protections at a lower combined cost. See if you qualify.
When is Commercial Auto required?
If a vehicle is used for work—transporting tools, deliveries, client visits—you likely need Commercial Auto. Many contracts require it. Compare policies.
Is Workers’ Comp mandatory?
In most states, yes, once you have employees (rules vary). Some states have exemptions for very small firms or officers. Check your state.
Do I need Professional Liability or Cyber?
If you provide advice/services, consider E&O. If you take payments or store customer data, add Cyber for breach response and liability. Add to your quote.
Compare Business Insurance Quotes Now
GL, BOP, Commercial Auto, Workers’ Comp, Professional Liability, and Cyber—build the right policy in minutes. Start your quote online or call us.
Last Updated on by Lady Mae Enad